Alternative Financial Services
Powerful capital solutions for individuals and businesses — built outside the traditional banking system, operating exclusively within the United States.
Not a Bank. Not a Payday Lender. Something Better.
S&S Financial Holdings Company, LLC is a full service alternative financial company. We are not a bank, credit union, mortgage company, or payday loan company. We exist because traditional financial institutions leave too many individuals and businesses without the capital they need. We fill that gap — directly, transparently, and with over 46 years of expertise.
Business Financing & Capital
Access the working capital your business needs to grow, expand, hire, and compete. We structure financing solutions tailored to your specific business model, revenue profile, and growth objectives — not a one-size-fits-all bank product with rigid qualification criteria.
- Working capital for operations and growth
- Expansion and acquisition financing
- Bridge financing and short-term capital
- Structured capital solutions for complex needs
- Alternative to traditional bank business loans
For Businesses
Business Financing & Capital
Capital Solutions for Individuals
Personal financial solutions designed around your goals, your circumstances, and your future — not a credit score algorithm. We work directly with individuals to unlock capital when traditional options fall short, have failed, or simply are not the right fit.
- Personal capital and financing solutions
- Alternative to traditional personal loans
- Solutions for those underserved by banks
- Direct, transparent terms with no hidden fees
- USA residents only
For Individuals
Capital Solutions for Individuals
Alternative Financial Services
A full spectrum of alternative financial products and services — structured, transparent, and delivered by professionals with over four decades of experience in the American financial landscape. We provide what banks cannot or will not.
- Full service alternative financial products
- Structured and transparent agreements
- 46+ years of alternative finance expertise
- Exclusively USA operations
- Post-merger expanded capital resources
Full Spectrum
Alternative Financial Services
The S&S Difference
Not a Bank
We are not subject to the same restrictions, bureaucracy, or rigid qualification criteria that prevent banks from serving many clients.
46+ Years of Experience
Founded March 23, 1980. We have navigated every economic cycle and financial environment the United States has seen in the modern era.
Expanded Post-Merger
Following our September 2026 merger with Best Buy Financial Services, we now offer an expanded suite of capital resources and solutions.
USA Only
We operate exclusively within the United States. Every client, every transaction, every relationship is domestic — no exceptions.
Transparent Terms
No hidden fees. No misleading terms. No fine print designed to confuse. We operate with complete transparency on every engagement.
Delaware Incorporated
Incorporated in the State of Delaware — the gold standard for American business entities — since March 23, 1980.
Important Disclosure: S&S Financial Holdings Company, LLC is a full service alternative financial company. We are NOT a bank, credit union, mortgage company, or payday loan company. We are not affiliated with or similar to any banking or depository institution. All financial services are provided exclusively within the United States of America.
Ready to Explore Your Options?
Whether you are an individual seeking capital or a business ready to grow, our team is ready to discuss your specific situation and identify the right solution. There is no obligation — just a direct conversation with experienced alternative finance professionals.
Established
March 23, 1980